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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

About me


 As a mortgage professional with over 20 years of experience and a degree in Accounting from Penn State, I am available to provide knowledgeable information for all of your home financing needs. It would be a privilege to help you identify the financing solution that best meets your specific needs. 

I will provide exceptional service with a personal touch from first-time homebuyers to sophisticated jumbo borrowers or investors. I will guide you through the mortgage process step by step to ensure you understand the options available. I will follow through to your settlement and beyond. I take pride in being available for you long after your loan closing, and I'm always glad to help. If you are thinking about purchasing a home, investing in a multi-family property, or simply refinancing your current home, please give me a call. Thank you again for the opportunity to work with you. 

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
VA

VA

If you’re an active member of the military or a veteran, a VA loan can help you save money with no down payment and lower closing costs. VA loans also have lower interest rates, meaning you’ll save money over the life of your loan. A VA loan is a program created and guaranteed by the Department of Veterans Affairs (VA) specifically for eligible military veterans, service members and their spouses.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
4.93 out of 5.0 stars
5.0
3.75
4.98
5.0
Molly
Jun 09, 2025
Lititz, PA
Verified

Rob Frey and his team are top notch! I wil continue to rec him to everyone!
Brooke
Jun 09, 2025
Lititz, PA
Verified

The process went smoothly and I always had someone I was able to contact to address any questions or concerns.
Heather
Jun 02, 2025
Red Lion, PA
Verified

It was smooth from start to finish
Scott
May 27, 2025
Mount Joy, PA
Verified

Rob was extremely helpful and knowledgeable throughout the entire process. As first time buyers, we had a lot of questions but Rob never made us feel like a bother and welcomed us to reach out whenever needed . Everything was explained to us and there were no surprises.
Gregory
May 27, 2025
Windsor, PA
Verified

Rob was fantastic. He communicated the whole way through the process and the transaction was very smooth.
Kelsie
May 12, 2025
York, PA
Verified

We used Rob to refinance our first house and had an amazing experience, we knew right away we would come back to him again when we found ourselves on the housing market again. Rob made the process so seamless and stress free, always explained everything thoroughly, and delivered excellent service. I would highly recommend Rob and Guild!

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #147464
I am authorized to do business in the state of Pennsylvania.